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Same Day Payday Loans

In case some undiscovered emergency cash is taking a sip from you. So avail of same day payday loans with us to meet your financial needs instantly. It is known as a short-term payday loan given to salaried individuals. No need to fax any documents. No credit is required. No collateral is required.

You can apply for instant approval for same-day payday loans with no credit checks for up to $1500. So that you can get instant financial assistance for your cash crunch. iNeedPayday are available 24/7 in the online loan market in the UNITED STATES OF AMERICA which gives you instant access to the funds you need in case of emergency.

How Payday Loan Is A Life Savior For You?

You are not the only one applying for a payday loan with same day approval. Every year 12 million Americans use payday loans to manage emergency expenses. Primarily, 7 out of 10 borrowers use the loan amount to pay for rent and monthly utilities. Each state has its own rules for payday lending, which are regulated according to various state regulations and federal government norms.

In general, you can apply for a maximum of $1500 as a loan amount for a shorter term of 15 days to 30 days. Can present for your next paycheck. Borrowers must pay back in the form of a balloon payment which is the loan amount plus fees and interest charges. So, these are the factors that borrowers need to consider before applying for same day payday loans.

Why Choose Same Day Payday Loans?

When faced with a serious financial emergency and need instant cash. Same day payday loans are the best solution for you from direct lenders. Know the major benefits of cash advance loan also known as post-dated check loan or deferred deposit loan.

  • RECEIVE MONEY REALLY FAST: Apply online by submitting a simple form with personal details and submit it to get approval faster. You can get the loan approved in a matter of minutes and get the cash deposited in the bank account within 24 hours.

  • CONVENIENT LOAN PROCESS: You do not need to have a face-to-face meeting with any bank official for this. It is easy to fill and submit the form online without going anywhere else. Know all the terms and conditions of online payday loans to get a clear idea of how much to avail and how much to pay.

  • CERTAIN REQUIREMENTS TO MEET: Unlike traditional loan offers, you are not required to take out your property, jewelry, or property papers as security or collateral. Nor, you will be asked to go through the arduous process of a credit check. Getting a loan here is a simple and straightforward process.

  • NO COLLATERAL REQUIREMENT: Like traditional loans, you will not be asked to compromise your personal assets as collateral against the loan. It is mainly vulnerable to those who are facing a serious financial emergency. Which is still far away, the credit score of the profile is low, and there is nothing to declare as security.

What Will Direct Lenders Will Look for?

The requirements set by traditional bank lenders and payday lenders differ. Traditional lenders look at your monthly income, credit score, address and credit card to determine whether you are able to take out a loan. In the case of same-day payday loans, applicants will need to provide their employment, identity and residential information to meet the prerequisites.

The lender’s only concern with the borrower is a fixed monthly income, little savings, and a clear financial record to get faster approvals. Loan will be approved instantly with fast cash transfer in just 24 hours. This money can be used to pay any kind of personal expenses without asking anyone.

How Same Day Payday Loan Online Application Process Works?

STEP 1 : – Direct Payday Lenders provide you online payday loan with instant approval no credit check. The online direct lender gives 100% loan approval guarantee to the bad credit borrowers. Please read the Payday Lender’s terms and conditions and policies carefully before applying for the loan. Research the web and then shortlist some payday lenders after reading their terms. Shortlist them only if you find the credit rate reasonable. Also, check carefully to see if they include any hidden charges.

STEP 2 : – After shortlisting the sites. View reviews and ratings based on customers. The Better Business Bureau is the most trusted source for scrutinizing reviews. Next, choose the direct payday lender that has the best ratings and interest rates that suit you.

STEP 3: – Once you have done the comparison based on all the aspects then visit the website of the company which you have finalized. Now open your application form from the application page and fill the details asked by them. Normally filled details like name, address, contact number, account holder name, etc.

STEP 4: – The next step is to select your state. Then check the policies and credit rates available in your state. Every state has its own rules and regulations for payday loans. In the next step before applying online for payday loan check whether the correct status is filled or not.

STEP 5: – Make sure you have checked. Are there any hidden charges other than the interest rate? According to the Truth in Lending Act, lenders must be clear with policies for customers. Typical percentage rates range from 12% to 40% for each amount sanctioned to the borrower.

STEP 6: – Next, you have to wait for your loan application to be approved. After filling in the information asked from you at the time of the online application. It is re-examined by the lender to see if it is correct or not. You will need to check your email regularly as you will receive a confirmation message from them.

After sanction of the loan the company itself transfers the amount to the bank account details entered by you in the application form. As your payback day approaches and the company automatically withdraws from the account with the interest rate that you agreed to pay.

What Differentiates Payday Loans & Installment Loans?

You would be confused as to what exactly is the difference between a payday loan and an installment loan. There are many factors based on which you can find the difference.

LOAN AMOUNT: Under personal installment loans, the amount can go up to thousands of dollars. A payday loan offers only a few hundred dollars as per the repayment capacity of the borrowers.

REPAYMENT: Under fixed installment loan you have several months or years to repay the loan amount in equal monthly installments. On the other hand, a payday loan has a fixed tenure of one-time repayment which also includes interest charges and charges.

LOAN APR: In most cases, installment loans have lower interest charges or fees than payday loans. Whereas, short-term cash loans carry higher interest charges.

CREDIT CHECK: Most of the lenders under personal installment loan with no check credit score and history of the borrowers before approving the loan. A payday loan does not cover the hassle of a cumbersome credit check. And, holders of bad credit can also apply for the loan.

What Is Usually The Cost Of A Payday Loan?

Knowing the total cost of ownership of a payday loan is important for same day guaranteed approval in the United States. The typical fee charged for a payday loan is $15 per $100 borrowed. This is a set value for the short-term loan amount. Fees vary according to state regulations.


State APR
California 460%
Florida 304%
Kansas 391%
Kentucky 469%
Mississippi 521%
Missouri 462%
Nevada 652%

As you can see above, different provinces in the United States have different annual percentage rates. Hence, when you apply for same day payday loan. So check the interest rate according to your respective province and calculate the total amount of repayment. If you have bad credit, you may face rejection from a traditional lender.

But here, the chances of getting loan approval are high despite having a negative credit score in the profile. Direct payday lenders have nothing to do with your credit score. For them, the only thing that matters is your ability to repay the loan amount on time. On the other hand, you have the option to improve your credit rating to the maximum extent by paying off the loans and changing your credit score to positive or higher side.

Frequently Asked Questions That May Interest You…

What You Need To Know Before Applying For Same Day Payday Loan?

Before applying for a same day payday loan, it is better to do some research about the lender. Read the loan terms and conditions carefully before applying. Also, be transparent that, if you are unable to repay the loan within the stipulated time, and then it is better not to apply for it.

What are Payday Loans and Same Day Loans?

No, both are different sets of loan offers. Same day loan can be your personal installment loan or short term loan for which you apply and get approved on the same day. On the other hand, a payday loan is an unsecured category of loan that will have exorbitant fees and interest rates that can be as high as 500%.

Is It Possible To Get A Payday Loan Without A Credit Check?

Yes, you can apply for a payday loan without going through the process of credit check. Payday lenders only look at the repayment capacity of the borrowers before giving the final approval. Even if you have made several credit scoring mistakes in the past. Direct payday lenders will ignore it and approve your loan based on your monthly income and expenses.

What Are Some Of The Options Available For Same Day Payday Loans?

There are several financial options available to salaried individuals in the United States for short-term same-day cash arrangements. This 0% APR can be credit cards, peer-to-peer loans, home equity loans, lines of credit and personal lending. It all depends on the financial circumstances and a particular loan option available during a financial emergency.